Health Insurance Abu Dhabi
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Introduction to Health Insurance Abu Dhabi
A comprehensive health insurance plan in Abu Dhabi covers everything from routine medical checkups to life-threatening diseases such as cancer. It ensures that you and your family can avail of the best healthcare facilities during medical emergencies without worrying about hospital bills.
Health Insurance in Abu Dhabi is also mandatory under the law. As per government orders, employers have to provide health insurance coverage to their employees. Many companies also cover the dependent family members of their employees. However, it’s a good practice to buy a personal health plan to get enhanced coverage and specific benefits.
Here’s everything that you need to know about buying the right health insurance plan in Abu Dhabi.
What is Covered Under Health Insurance in Abu Dhabi?
The specific features and coverage may vary across insurance providers and their schemes. However, the following services are generally covered by a standard health insurance plan in Abu Dhabi.
- Hospitalisation: All hospital-related expenses are covered under inpatient care, which requires a patient to stay in the hospital for at least 24 hours. The cost of medical treatment, surgery, room rent, doctor’s charges, etc., is covered under this head.
- OPD Charges: The outpatient department (OPD) expenses such as medical consultation, routine treatment, diagnostic procedures, and pharmacy bills
- Emergency Care: This includes trauma care, ambulance charges, life-saving measures, and emergency room services
- DayCare Procedures: Medical treatments and procedures such as cataracts, dialysis, chemotherapy, lithotripsy, etc., that require less than 24 hours of hospital stay are included under this category
- Critical Illnesses such as cancer, heart attack, brain stroke, or kidney failure require long-term medical care. Such expenses are also covered by Medical Insurance Abu Dhabi.
- Specialist Consultations: This covers the cost of consulting with specialists such as cardiologists, oncologists, gynaecologists, and paediatricians
- Pre & Post-hospitalization Expenses such as laboratory tests, follow-up visits, and medicines are also covered.
What is Not Covered Health Insurance in Abu Dhabi?
The typical exclusions of health insurance plans in Abu Dhabi are listed below
- Pre-existing medical conditions until the expiry of the waiting period
- Terminal diseases such as HIV, advanced cancer, or certain neurological disorders
- Non-allopathic or alternative medical treatments
- Injuries caused due to a suicide attempt, unlawful activities, adventure sports, natural disasters, war, and terrorism
- Non-essential medical services such as cosmetic surgeries and fertility treatments
- Any type of experimental treatment and medical services provided by unauthorised healthcare providers
- Non-emergency medical services received outside the UAE
Add-ons in Abu Dhabi Health Insurance Plans
Maternity Cover
Expenses related to prenatal care, postnatal care, and delivery are covered under maternity insurance. Certain policies also cover newborn baby care.
This add-on provides financial protection for accidental injuries, disability, and death of the policyholder
Critical Illness Cover
This plan provides a lump sum amount to policyholders immediately upon diagnosis of a critical illness such as cancer, heart ailment, kidney failure, etc.
This includes oral checkups, X-rays, fillings, extractions, root canal treatment, and orthodontic treatments.
Optical Cover
Expenses related to eye care treatments, surgeries, medicines, glasses, and lenses are covered by this add-on policy.
Hospital Cash Benefit
This add-on cover provides a fixed daily cash allowance to insured members during hospitalization.
Second Opinion Benefit
Policyholders can avail of a second opinion from international healthcare specialists in respect of serious medical conditions by buying this add-on cover.
Geographical Extension Cover
The scope of health insurance coverage can be extended beyond national boundaries. This enables policyholders to avail of medical treatments in foreign countries.
Importance of Health Insurance in Abu Dhabi
Health Insurance in Abu Dhabi is important on account of the following reasons:
It is mandatory under law for all the residents of Abu Dhabi to have health insurance coverage.
Comprehensive health insurance covers everything from routine medical checkups to major surgeries.
Medical insurance provides financial security to the entire family and protects you from financial hardships.
Free annual health check ups provided by most insurance plans help to monitor your health condition.
The insured members can enjoy complete peace of mind by protecting themselves against unforeseen events in the future.
Benefits of Health Insurance in Abu Dhabi
Medical Insurance Abu Dhabi provides the following benefits to policyholders
Coverage for hospitalisation expenses for treatment of any disease or bodily injuries.
Pre & post-hospitalization expenses such as ambulance services, follow-up medical visits, and medical bills are also covered under health insurance.
Critical illness insurance provides a fixed lump sum payment to policyholders without the need to produce medical bills.
Coverage for OPD expenses and daycare procedures enables patients to get insurance benefits without hospitalisation.
Health insurance provides coverage for chronic diseases that require long-term care with rising expenses.
The cashless treatment facility prevents out-of-pocket expenses during hospitalisation.
Policyholders can avail of the best healthcare facilities during medical emergencies without worrying about cost.
How to Buy Medical Insurance in Abu Dhabi?
Step 1
Visit the official website of Prominent Insurance Brokers. Enter your details in the online health insurance quote form.
Step 2
Once you provide all the required details in this form, click on the ‘Submit’ button.
Step 3
One of our executives will soon get in touch with you. You will be guided by our team to buy the best health insurance in Abu Dhabi. You can make the payment online.
You can also click on the Whatsapp icon on this page and chat with our team members. You will be guided step-by-step to buy the policy online.
Frequently Asked Questions on Health Insurance in Abu Dhabi
Yes. Unlike Dubai, it is mandatory under law for employers in Abu Dhabi to also cover the dependent family members of their employees under the company’s health insurance.
You can definitely have more than one health plan if you want enhanced insurance coverage or some specific benefits such as critical illness insurance.
The health insurance premium is not the same for all individuals. It depends on several factors such as age, occupation, health condition, lifestyle habits, and sum insured.
Health Insurance Abu Dhabi provides cashless hospitalisation to policyholders who choose any of the network hospitals for treatment. For any hospital outside the insurer’s network, they can claim reimbursement after paying the bills.
Yes. Information about your health status helps the insurer to assess the risk factors, fix premiums, and decide upon issuing the policy. So, failure to disclose pre-existing medical conditions can lead to rejection of claims and cancellation of the policy.
Disclaimer: The health insurance policy or plan may have limitations, exclusions, and other terms and conditions that may affect coverage. It is important to carefully review the policy wording before making any decision.